As of April 19, 2021, changes to our personal banking solutions will come into effect. Learn more about the changes
Chequing accounts and packages
Making everyday banking easy
Interac e-Transfers®
free of charge
Branches and ATMs
always nearby
Exclusive offers
adapted to your situation
Discover our exclusive rates1
- regular clients (age 18-59)
- young people (age 0-17)
- students (age 18-24)
- seniors (age 60+)
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12 transactions per month (including 2 at the counter)2, 3
No fees for statements by mail
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Enjoy a range of exclusive benefits with our special offers.
Good to know
Protect your accounts and prevent fraud thanks to our useful tips and online security services.
Little details that matter
TM THE MINIMALIST, THE MODEST, THE CONNECTED and THE TOTAL are trademarks of National Bank of Canada.
® Interac e-Transfer is a registered trade-mark of Interac Corp. Used under licence.
1. For more details, consult the Fee Guide.
2. Transactions carried out at our ABMs, a participating merchant, through our online banking services (including our call centre) or those related to certain operations in your account.
3. Transactions carried out at our branches during normal business hours.
4. If you do not have one of the packages (The Connected, The Total, The Modest, The Minimalist, or the offer for professionals or students) or if you exceed the number of transactions included in your package, a fee of $1 may apply when you send money via Interac e-Transfer. The transfer must be sent to a bank account held at a participating Canadian financial institution. Refer to the Guide to Personal Banking Solutions for more information.
5. Subject to credit approval by National Bank of Canada. Credit charges are not waived with this package. For more information on the Integrated Line of Credit, click here.
6. Minimum 12-month rental in Canada. Certain conditions apply.
7. Applicable conditions:
- For all packages: discounts are applied upon presentation of supporting documents.
- For The Modest, The Connected and The Total: the Student discount is for full-time students, aged 18 to 24 inclusively, attending a post-secondary institution, upon presentation of identity documents (proof of age), proof of full-time student status (proof of registration, course schedule or transcripts). Only for individual account holders. The package is validated annually by presenting the above documents.
- For The Minimalist package: No fees for Young people aged 0 to 17 upon presentation of identity documents (proof of age); no fees for Student aged 18 to 24 upon presentation of identity documents (proof of age) and proof of full-time student status (proof of registration, course schedule or transcripts); no fees for Seniors aged 65 and over upon presentation of eligibility for the Guaranteed Income Supplement; no fees for beneficiaries (aged 18 and over) of a Registered Disability Savings Plan (RDSP) upon presentation of proof of eligibility for an RDSP. To continue benefiting from no-fee banking, students must renew their package annually by presenting the above documents.
8. The cashback on the annual fees for a Mastercard credit card can only be applied one time, at enrollment.
Practical details
Passbooks
The passbook option has not been available to new clients since May 4, 2015. If you are an existing client who uses a passbook with your account, a $2.50 monthly fee is charged.
Fees
For the fees associated with our products and services, consult the Fee Guide [PDF].
Contract governing personal deposit and investment accounts
For more information on the terms and conditions governing your new account, consult the Contract governing personal deposit and investment accounts document [PDF].
Basic banking services
For the terms and conditions governing whether a person may open an account or cash cheques and other items from the federal government, consult our guide to Basic Banking Services [PDF].
Access to funds policy
For details of our cheque hold policy, see the Access to Funds Policy [PDF].
Coercive tied selling
To understand what coercive tied selling is and what is not allowed, consult our pamphlet What you need to know about coercive tied selling [PDF].
Canada Deposit Insurance Corporation
Please refer to our page about Canada Deposit Insurance Corporation (CDIC)
FCAC account selector tool
Discover the Financial Consumer Agency of Canada (FCAC)’s account selector tool to compare bank accounts.
Other accounts that might interest you
Business accounts
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